House purchase - Is the fixed interest rate realistically estimated?

Hello,
I am planning to buy a house on my own, but I am afraid that I am not realistically assessing my financial situation and that I might miscalculate or approach the matter too naively. Maybe someone with experience can give advice on decision-making, reassure me, or open my eyes o_O. I would be very grateful for a realistic assessment of the situation.

Key data about the object of desire:
Single-family house, price 185,000, living area 125 m2, plot 228 m2,
roof, heating, electricity initially okay, house can be moved into immediately without major work.
Bathrooms remain as they are, only paint and floors need to be done.

About me:
Civil servant for life, current net monthly income 3,500, current warm rent 940,
can usually save about 500 comfortably per month, sometimes more, sometimes less...
Saved and available: 90,000, although I am unsure how much of that I want to use as equity. I am thinking about 50,000 equity.
Within the next 7 years, about 27,000 will become free and can/should be added.

Plan:
Fixed interest for 15 or 20 years with the option for special repayments, the house should be paid off by retirement in 18 years at the latest.

Offers from various banks are already available to me. The most expensive offer is 960/month, finished after 18 years.
Would a lower rate and a manageable residual debt perhaps make more sense?
Am I calculating too narrowly with my framework conditions and better off staying in rent?

I am going around in circles with my decision-making... maybe someone has an inspiring piece of advice that helps me turn the circle into a direction... no matter which one :).

Thanks in advance....
Yours, Mrs. Unsure

That fits. You have so much surplus every month to have 90 equity, with warm rent = installment. For the equity contribution, you can also ask the bank if you are close to a loan-to-value limit for a better interest rate. And I would do a 15-year fixed interest period if you are done after 18 years. You can manage that with special repayments until then.

The numbers fit perfectly. You will also get the [Alleinkredit].

Offers from various banks are already available to me. The most expensive offer is 960,-/month, finished after 18 years.
Is a lower rate and a remaining debt within limits perhaps more sensible?
Am I generally calculating too narrowly with my conditions and better off renting?

I keep going around in circles with my decision-making, ....maybe someone has a brilliant piece of advice that helps me turn the circle into a direction....no matter which :).

Advice: Take a deep breath and relax. In your situation, there really is no doubt about whether you can afford it.
Cheap house (not negative), reasonable equity, extremely secure job.

Look at it this way: At 1% interest and a loan of €135k, you are basically paying a cold rent of about €110 (= interest). The rest is forced savings/retirement provision. Can you live so cheaply in your current apartment and save that much for your retirement?

Apart from that, a small remaining debt is absolutely no problem if you want to have more money to live on now. Whatever you want to do, you can afford it and will get it financed at any bank.

Hello, good saver, crisis-proof job. Do it

Top conditions and good equity - definitely do it!